Because Silicon Valley, of which Hacker News and its commentariat are a subset, really tries to avoid thinking about the fact that “disruption” usually just means “meet the new boss, same as the old boss”. Posts which bring this to the surface cause cognitive dissonance and so have to be greyed so they can be ignored.
but at least the new boss (tens of thousands of $ for a new car loan) is better than the old boss (hundreds of thousands of $ for a medallion).